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One in 45 small business owners experience a claim
Based on Hiscox claim data from 1/1/2016-1/30/2019
Eligible Professions
- Art therapy
- Dance therapy
- Drama therapy
- Hypnosis
- Marriage and family therapy
- Mental health counseling
- Music therapy
- Occupational therapy
- Psychology
- Social work services
- Speech therapy
- Substance abuse counseling
Common Risks for Therapy Services
- Bodily injury
- Breach of confidentiality/privacy
- Claim of sexual impropriety
- Defamation, libel, slander
- Dissatisfied client
- Emotional distress
- Incorrect diagnosis
- Negligence
- Third-party property damage
- And much more
The Curcuru Agency Bundle for Therapy Services
GENERAL LIABILITY (GL)
Protects your business from a third party’s claims of bodily injury, property damage, and personal injury like slander and libel.
PROFESSIONAL LIABILITY (PL)
Also known as errors and omissions, or E&O, coverage, this protects you from claims of negligence during the course of conducting business. You’re protected even if you haven’t made a mistake.
Claim Scenarios for Therapy Services
GL CLAIM EXAMPLE
Bodily injury:
A client is walking in for an appointment and trips on a chair in your waiting room. She breaks her arm and has to be taken to the hospital for treatment. General liability insurance protects against third-party claims of bodily injury, associated medical costs, and property damage.
PL CLAIM EXAMPLE
Negligence:
A couple has been seeing you as a marriage therapist for months, seeking counseling to rectify problems in their marriage. During a recent meeting the couple tells you that the counseling sessions are not doing any good, and they are headed for divorce. They blame you and say that you should have seen the signs of divorce earlier and threaten to sue you for professional negligence. Professional liability insurance protects against claims of negligence, even if you haven’t made a mistake.